C
Carthage Savings and Loan, National Association
Rating Date
October 2025
Risk Based
Capital Ratio
26.34
Leverage
Ratio
12.51
Return On
Assets
0.63%
Total
Assets
306.86M
Capital
43.38M
Total
Deposits
255.84M
Net
Income
961.00K
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Weiss Ratings Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Rating C
Asset Quality Index 9.70
Capitalization Index 10.00
Liquidity Index 1.10
Profitability Index 3.10
Stability Index 7.00
Company Info Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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FDIC Number 28942
Phone Number (315) 493-3480
Website www.carthagesavings.com
Asset Quality Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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1-Year Asset Growth 1.81%
5-Year Asset Growth 4.34%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.07%
Non-Performing Loans to Capital 0.24%
Non-Performing Loans to Loans 0.06%
Balance Sheet Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Total Assets 306.86M
Total Deposits 255.84M
Capital and Reserves Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Capital 43.38M
Leverage Ratio 12.51
Loan Loss Reserves to Loans 0.63%
Risk-Based Capital Ratio 26.34
Liquidity Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Hot Money Ratio 27.49%
Liquidity Ratio 10.68%
Profitability Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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5-Year Return on Average Assets 0.51%
Net Income 961.00K
Net Interest Spread 2.77%
Operating Profit to Average Assets 0.77%
Overhead Efficiency Ratio 71.16%
Return on Assets 0.63%
Return on Equity 4.51%